Albert Einstein acknowledged the power of the time value of money when he is supposed to have called compounding the most powerful force in the universe.
A great way to illustrate the power of compounding is through the example of three 19-year-ol... Read More

As most people are aware, there was a data breach at Equifax, one of the consumer credit reporting agency in the United States, which could potentially impact 143 million US consumers. Anyone with a credit report has a good chance of being one of th... Read More

One of the topics that regularly comes up in my conversations with younger people when they come to me for advice or at a class I teach on personal finance (At a University in New Jersey), is saving for retirement through a company sponsored defined ... Read More

Anybody with earned income* can contribute to a traditional IRA or depending on income level, to a Roth IRA. However, a small business owner has several other (Better) options when it comes to a retirement plan.
The decision on which plan to set u... Read More

At Sarsi, we closely watch several indicators that could potentially warn us about an imminent recession. One such indicator is the shape of the yield curve. The yield curve is a plot (Graph) between the maturity and the interest rate (or Yield) of f... Read More

Apart from options discussed previously, companies can also grant employees with stock based compensation as an incentive for performance. Some of these could have option like characteristics and some may be offered to employees on a ‘non-discrimin... Read More